Starting a business specializing in portraiture

Started Jan 24, 2014 | Discussions thread
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3 kinds of insurance (or more)
In reply to spytrek007, Jan 26, 2014

1/ Equipment insurance. This pays for repairs or replacement if the equipment is hurt in various ways, or stolen. Buying this is a gamble; if you take care of the equipment, you won't need the insurance.

2/ Business insurance. This covers fraud, accusations of misbehaviour, may cover income replacement, may cover hiring replacement people if you cannot work yourself. As with much insurance, buying this is a gamble. If you don't get sued...

3/ Liability insurance; this is what we've been writing mostly about in this thread. Depending on your business, this may be a necessity. Did you go to the Toronto web site I sent you to? It says photographers need liability insurance, or they cannot take pictures. No choice.

Liability insurance cover damage to a person or a place if a light stand falls over; if a subject backs up while standing beside a canal, if someone does not set the brakes on a car in a photo and the car runs into the catering table; and so on. Put a kid in a tree and the branch breaks, you need liability insurance.

If you shoot in a few fully public places, there are no governments or commercial owners demanding liability insurance. But it is getting hard to find these places for COMMERCIAL photos.


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